Coverage
HOA & Residential Association Insurance
Cover the board. Cover the property. Cover the community.
Insurance for homeowners associations, condo associations, and residential communities — master property, general liability, directors & officers, and fidelity coverage in one program.
What it covers
What's in the policy.
- Common-area property
- General liability
- Directors & officers
- Fidelity / employee dishonesty
- Umbrella
Why Allied
How we write it.
- Master property for common areas and shared structures
- General liability for pools, clubhouses, and walking paths
- Directors & officers (D&O) for the board
- Fidelity / crime for management funds
- Umbrella limits for larger associations
FAQ
Common questions.
Why does the board need D&O coverage?
Board members are personally sued in nearly every serious HOA dispute — architectural denials, assessments, employment claims. D&O pays the defense so a volunteer isn't out-of-pocket.
Does the master policy cover individual units?
It covers common areas and shared structures per the CC&Rs. Individual owners still need HO-6 unit-owner policies.
Local coverage
HOA & Residential Association insurance across Texas.
We write hoa & residential association coverage in every city we serve. Pick your metro for a local page with more detail on how we place it there.
Get a real quote
Ready for a quote?
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.